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Syed Abedin - EzineArticles.com Expert Author
Syed Abedin is a Mortgage Advisor and also currently owns a credit card comparison website called Credit Cards UK. You can visit his website and compare several credit cards to find the right rate for you.
[View Syed Abedin's Extended Author Bio]
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- Interest Only and Capital and Interest Repayment Mortgages
[Real-Estate:Mortgage-Refinance] Interest Only mortgage is a kind of mortgage where the borrower repays interest only on the capital borrowed. Interest only is paid over the time of the mortgage e.g. 25 years.
- Different Types Of Mortgage Products
[Real-Estate:Mortgage-Refinance] Standard Variable rate mortgage - This kind of mortgage is linked to the Bank of England Base Rate. Although the interest rate in this type of mortgage increases and decreases in tune with the Bank of England Base Rate, the lenders are not obliged to decrease the standard variable rate even if there has been a decrease in the Bank of England Base Rate. This type of mortgage is not very popular today as better rates are accessible on products such as fixed, tracker and discount.
- Buy to Let Mortgages
[Real-Estate:Mortgage-Refinance] Buy to Let Mortgages, over the years, have become very popular as an investment vehicle owing to the high demand for properties to rent out in the private sector. Investors take out this type of mortgage in order to purchase property/ties to rent or let out to prospective tenants. In a nutshell, the investor is looking to fund the monthly mortgage repayments from the rental/letting income
- Reasons Why You Are Not Covered Under Your Motor Insurance Policy
[Insurance:Car-Auto] You have motor car insurance and you want to make a claim. So you contact your insurance company and provide them with all the details of your proposed claim. But your insurance company informs you that it is unable to meet your claim as you are not covered. Why is this so?
- How To Get A Cheaper Car Insurance Quote
[Insurance:Car-Auto] Car insurance can be an expensive feature when it depends on factors such as your age, your driving record and the type and value of your car. However there are a few steps you can take in order to reduce the cost of your car insurance. By following these steps, you will encourage the insurance company to reduce your premium.
- How The Cost Of Motor Car Insurance Is Assessed
[Insurance:Car-Auto] When you purchase motor insurance, you will normally be asked a whole lot of questions by the insurance companies. Your answers to these questions will help them to price the cost of the motor insurance to you.
- Different Ways To Purchase Motor Car Insurance
[Insurance:Car-Auto] You have got a car and, legally speaking, you are obliged to obtain motor insurance. There are over a hundred providers of insurance on the market. But how do you go about finding the best insurance deal for yourself?
- Young Drivers Car Insurance
[Insurance:Car-Auto] Like it or not but obtaining insurance cover for young drivers i.e. under the age of 25 years, is costly. This is because they are seen as a high risk by the insurance companies. The insurance companies are able to prove statistically that the young drivers, by virtue of being inexperienced, are more likely to have accidents and often make claims on their motor insurance policy.
- Life Insurance Products - Mortgage Protection
[Insurance:Life-Annuities] A life insurance policy is a mortgage protection product. This type of policy is taken out to ensure that the mortgage is fully repaid on the death of the borrower.
- What To Do In A Motor Accident
[Insurance:Car-Auto] So what do you do if you happen to be involved in one? If, after the accident, you are relatively in a fit condition then do make sure that the other passengers are all right. If there is a complaint of an injury or you notice that there is a need for immediate attention, call 999 for medical help.
- Motor Insurers' Bureau
[Insurance:Car-Auto] You happen to be driving along the road when, from out of nowhere, a vehicle collides into you and you are unwittingly involved in an accident. You find that your car has been badly damaged. So you duly obtain the names and addresses of all the witnesses who readily confirm that it was the other driver's fault and not yours.
- No Claims Bonus
[Insurance:Car-Auto] If you are fortunate enough never having to make a claim on your policy during the five consecutive years of your driving, then you will be eligible for your No Claims Bonus. The insurance companies allow a discount on this type of claim (usually ranging from 50% to 70% off) from the insurance premiums. So it will suit your while searching for the best insurance deal.
- The Importance of Motor Insurance
[Insurance:Car-Auto] Anyone who drives a vehicle has to be covered by a motor insurance policy. This is a legal requirement and failure to have adequate insurance cover or driving without any insurance whatsoever is a criminal offense.
- Critical Illness Insurance Cover
[Insurance:Health] Serious illnesses generally specified as critical in Insurance Policies are cancer, stroke, heart attack, rheumatoid arthritis and multiple sclerosis. The benefit in taking out this type of policy is that it pays a tax-free lump sum as soon as the policy holder survives any of the critical illness detailed in the policy, for a specified period (which is usually 28 days). The money could be used to fully or partly clear an outstanding mortgage/loan or even replace lost income.
- The Importance of Building Insurance
[Insurance] All lenders insist on Buildings Insurance if any property is secured against a loan. If anything adverse happens to the property (like it being burnt down), the same property can be rebuilt from the proceeds of the insurance claim. And if your property is mortgage free and a similar devastation occurs to it, you will still be protected by the insurance policy and will be able to rebuild your property from the proceeds of your claim.
- Correction Of Incorrect Credit Records
[Finance:Credit] If you are a holder of credit card/s, you will naturally make good use of it/them in the way you think best. But have you ever wondered what could happen if your credit card/s provider/s, unbeknown to you, sent incorrect information about you, to the credit reference agencies? Incorrect information could seriously affect your chances to obtain good credit ratings or other credit cards, in the future.
- Life Time Balance Transfers
[Finance:Credit] Let us suppose that you have an outstanding balance on your credit card and after successive juggling of different 0% APR deals you have finally exhausted their usage. Your outstanding balance still hasn't been cleared and it dangerously hangs like a millstone round your neck. It would seem that you have reached a financial dead end but there is always the life time credit card balance transfer to consider.
- Credit Card Identity Fraud
[Finance:Credit] Credit card identity fraud is rampant everywhere and is on the steady increase. So what steps can one take to prevent it?
- Credit Card Balance Transfer
[Finance:Credit] Let us take the scenario that you have been using your credit card so heavily that you are now lumbered with an equally heavy outstanding balance. Your debt is now on the steady increase as you are paying added interest on the interest of what you had earlier borrowed on your credit card, every consecutive month. You want a respite from this financial dilemma and this is where the crucial help from credit card balance transfer comes in.
- How To Get A Credit Card
[Finance:Credit] You have decided that you are in need of a credit card. Now you want to know how one goes about obtaining a credit card of one's choice.
- Credit Card Debt Consolidation
[Finance:Credit] You hold credit card/s and due to one reason or another you have ended up in a pit of unmanageable credit card/s debt/s. So how can you escape from it, unscathed?
- Credit Cards for Business Financing
[Finance:Credit] Using the personal credit card for retail purposes is a common feature. But personal credit cards can also be used to provide finance for setting up businesses, too.
- Credit Cards Are Good For Business
[Finance:Credit] We all know that the common usage of credit cards is for purchasing goods and services. Businesses benefit from these monetary transactions made by the consumers on their credit cards.
- Why Cash Is Not King
[Finance:Credit] We have often heard the old adage cash is king. But in today's world it is the credit card that rules over almost all of that we financially survey. So, in other words, it is not cash but the plastic credit card that is the real King.
- Beware Of Charges
[Finance:Credit] Credit card providers offer many good credit card deals in the UK market. But in doing so, they have to incur losses in order to reap rich benefits in the future. The only way for them to recoup some of their losses is by imposing charges on the unsuspecting credit card holder.
- Choose Your Credit Cards Wisely
[Finance:Credit] With a plethora of credit cards flooding the UK credit card market, it becomes difficult to make a choice for the right credit card especially when there are quite a few that meet your different borrowing needs. So, instead of limiting yourself by applying just for one credit card, why apply not apply for a few more?
- Adverse Credit Cards
[Finance:Credit] Many people get into debt, including credit card debt, for various reasons. Some of these reasons could be loss of employment; fall in business income, illness, unforeseen expenses or an inability to control their spending. The common denominator is income failing to keep up with expenditure.
- Credit Card Insurance
[Finance:Credit] Is it really worth having credit card insurance? There is a plethora of companies offering credit card insurance but at the end of the day it is really up to you to decide whether or not it is beneficial to have one.
- Credit Cards and Christmas
[Finance:Credit] Christmas is coming and so is Father Christmas, all laden with sacks of presents from the ever so long wish list! If reality was to be as sweet and charming as this romantic vision of Father Christmas converting wishes into tangible presents, then life would be a breeze. But it is not and if you do not have ready cash at hand to make those promised purchases, you are bound to make a rather sad and forlorn Father Christmas this year.
- Credit Card Application
[Finance:Credit] So you've surfed the internet, gone on to various credit card websites and made comparisons with every credit card that has swum into your view. Then you come to a decision of obtaining one that has caught your eye and now are all set to fill out a credit card application form. But hang on for a minute because there are a few things to consider before you put your pen to paper.
- Credit Card Statements
[Finance:Credit] Credit card statements are the bane of every credit card user's life. Like the proverbial bad penny, they have this annoying habit of keep turning up each month. But having said that, we have to admit they are a very neat way of summarizing on the way we use our credit cards every month.
- Prepaid Credit Cards
[Finance:Credit] A prepaid credit card is actually a misnomer for a prepaid Master Card. It not only gives you the flexibility of a credit card but it also comes without some of the limitations imposed on credit cards.
- Football Credit Cards
[Finance:Credit] Are you obsessed with football? And do you have a favourite football club? If you do, then why not further support your favourite football club by applying for a football credit card? Nearly every league team in the UK is covered by football-related credit cards. So why not give it a go and show your financial support?
- In Praise of Credit Cards
[Finance:Credit] With the on-going media attention regarding the huge credit card debts engulfing the UK, it is easy to nurture a negative view of credit cards. However, at the end of the day, it should not be the credit card that is to blame but how it is used that should be questioned.
- Credit Cards Debts
[Finance:Credit] So you have over-spent on your credit card either through an obligation ("I have to buy the bare necessities") or through a display of self-indulgence ("I've simply got to purchase this season's 'must-haves'"). Both ways we can see how quickly and easily credit card debts can escalate dramatically and leave you in a financial mess.
- Charity Credit Cards
[Finance:Credit] There is more to credit cards than just being able to buy goods and services. You could also use it to support your favourite charity.
- Chip and PIN and the Internet
[Finance:Credit] The chip and PIN method is regarded as a safe way when paying for goods and services with the credit card at retail outlets. Through statistics alone we can see that the chip and PIN technology has successfully eliminated credit card fraud in the UK by up to 80%. As a result the fraudsters are now targeting credit card fraud on the internet where chip and PIN is not required.
- Juggling with Credit Cards
[Finance:Credit] Have you over-spent on your credit cards and are now lumbered with credit card debts? Are you making endless trips to the Citizens Advice Bureau for guidance in dealing with credit card debt problems? Then take heart because you are not alone.
- How To Obtain A Credit Card With A Bad Credit Rating
[Finance:Credit] Approximately one in five people in the UK will face problems when applying for a credit card. The reason is that they could have had credit problems in the past or simply never applied for any credit cards.
- Stoozing Credit Cards
[Finance:Credit] An explanation of "stoozing" credit cards and what it entails.
- Choosing The Right Credit Card
[Finance:Credit] Helping you to make the right choice when purchasing a credit card
- Business Credit Cards
[Finance:Credit] If you are in business why not consider obtaining a separate business credit card for your business needs rather than using your personal credit card for both personal and business expenses.
- Lose Weight In Just 7 Days? I'll Show You How
[Health-and-Fitness:Weight-Loss] Do you want to be slim and fit and lose a few pounds and don't want to be seen again with bags of fat hanging from your stomach? Well I'll show you how - after all isn't experience the best way of teaching.
- Importance of APR
[Finance:Credit] The term APR (Annual Percentage Rate) is a tool to enable you to first compare the costs of one or various card/s against others and then decide which credit card is most beneficial for you.
- Beating Identify Fraud
[Finance:Credit] Identity fraud is on the rise. Whilst chip and pin has helped to reduce credit card fraud the fraudsters are now becoming adept at new ways of helping themselves to your money. SO BEWARE!!! All a fraudster needs is a bank/credit card statement or utility bill to prove name and address verification and can proceed to obtain credit in your name.
- Ensure Your Credit Cards Are Safe To Use
[Finance:Credit] With scares about the ease which one can run up debts on a credit card, identity theft and credit card fraud, many people have questioned whether credit cards are safe to use or not. The answer is yes as long as you take some precautions to safeguard your credit card whilst using it.
- Why Get Your Phone On Contract?
[Computers-and-Technology:Mobile-Computing] On TV, you must have seen advertised on billboards too, phones being sold on contract. Why buy a phone on contract you may be asking or even, what is a phone on contract. Simply read this article to find out more about phones on contract and why have them.
- What Is Phone Unlocking And How Do Unlock My Phone?
[Computers-and-Technology:Mobile-Computing] Is your phone on a network (e.g O2), that you don't want anymore and you want to switch to a different company. That is unlocking, and I will tell you its benefits.
- The Importance of Electronic Insurance
[Computers-and-Technology:Mobile-Computing] You are currently at a £150 - £2000 risk due to the fact you have insured your valuable electronic possessions. You would pay at least half that money if you were insured.
- Assessing The Value Of Jewellery
[Shopping-and-Product-Reviews:Jewelry-Diamonds] You may have heard of 9ct gold and 24ct gold necklaces and diamonds but do you know what this actually means. In this article I will talke to you about the different terms of jewellery so you are ready to purchase jewellery or even start your own business; enabling you to know how to assess the value of your jewellery for the right deals.
- Features Of What To Look For When Buying Your Next TV
[Home-Improvement:Audio-Video] Looking to buy into the new era of technology. Nowadays technology advances much faster than you think. This article will help you stay on the ball of the features to look for when buying a TV.
- Features To Look For When Buying A Digital Camera
[Arts-and-Entertainment:Photography] Been on holiday and never had a camera? Maybe you had a camera, but it was poor quality? Or maybe it was good quality, but it didn't have good quality features. By reading this review, you can make sure that that will NEVER happen again.
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